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THE ACCUMULATION PROTECTOR PLUSSMANNUITY

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It Is Time to Protect What You Have Worked So Hard to Build

Whether it is for retirement, legacy, or lifestyle, you have worked hard to earn a living and build your wealth. You have pushed through the daily grind for decades and have finally arrived at a new chapter in life. And while it may be time to start thinking about retirement income and protecting your wealth from unnecessary risk, it does not mean that your wealth needs to stop working for you.
The Accumulation Protector PlusSM Annuity (APP) is a fixed indexed annuity designed to both accumulate wealth, and protect it against future market downturns. With access to its exclusive and flexible crediting strategies, the APP offers protection and growth potential in any market.*
With the Accumulation Protector PlusSM Annuity, it is finally time to let your money do the hard work for you, while having the peace-of-mind that your wealth is protected for what you have in store.

What is a Fixed Indexed Annuity?

A Fixed Indexed Annuity is a tax-deferred, stable, financial option designed to grow your premium and protect it if the market drops. This product is typically accompanied with multiple crediting strategies that you can choose to participate in. These crediting strategies include at least one indexed account and may also include a Fixed Rate account, as seen with the Accumulation Protector PlusSM Annuity. When you select an indexing strategy, you are credited interest at the end of the crediting period in the event the index value grows.
A Fixed Indexed Annuity offers access to more interest growth potential as the market performs positively. In addition to growth potential, a Fixed Indexed Annuity offers protection of principal in several different ways. You do not lose money, including interest earned during previous crediting periods, if the index value drops because your money is allocated to the annuity itself rather than directly to the index (or indices). Additionally, the indexed accounts typically offer a minimum guaranteed interest rate of at least 0%.

Protection Plus Growth Potential in Any Market

Protect Your Principal

Protection is the cornerstone of the Accumulation Protector PlusSM Annuity. Whether the market goes up, down, or remains the same, your principal is guaranteed not to decrease** due to market performance and is protected through the APP’s Fixed and Indexed Accounts.

Accumulate Wealth

The APP gives you exclusive access to the Credit Suisse Momentum Index, the well-established Standard and Poor’s Composite Stock Price Index (“S&P 500®” Index), and a Fixed Account that provides a guaranteed rate of return. The Credit Suisse Momentum Index, S&P 500® Index and the Fixed Account provide opportunities to accumulate wealth over time. The APP Annuity’s Participation Rates for the Credit Suisse Momentum Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date.***

The APP gives you exclusive access to the CS Momentum Index, the CS ESG Macro 5 Index, the well-established Standard and Poor’s Composite Stock Price Index (“S&P 500®” Index), and a Fixed Account that provides a guaranteed rate of return. The CS Momentum Index, the CS ESG Macro 5 Index, S&P 500® Index and the Fixed Account provide opportunities to accumulate wealth over time.

The APP Annuity’s Participation Rates for the CS Momentum Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date.***
The APP Annuity’s Participation Rates for the CS ESG Macro 5 Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date.****
Find out more about the CS Momentum Index
Find out more about the CS ESG Macro 5 Index

Choose from Flexible Crediting Strategies

Not everyone has the same financial goals, nor the same time horizon for achieving those goals. It is because of these different objectives that Flexibility is another key component of the Accumulation Protector PlusSM Annuity. This annuity offers a diversified set of fixed and indexed crediting strategies with 1, 2 or 3 year periods that allow you and your advisor to choose the accounts and periods that most align with your goals. Additionally, you can adjust the allocations on the policy anniversary, coinciding with the end of the crediting period, to continue to meet your changing needs.

Preserve Your Lifestyle

Achieve greater financial confidence and achieve the goals you have set for your lifestyle, retirement income and legacy by taking advantage of the flexible options provided by the Accumulation Protector PlusSM Annuity. These strategies were created to help protect what you have worked hard for and provide opportunities to accumulate wealth, so you can rest easy in retirement knowing you are preserving the legacy you have built.

* The Accumulation Protector PlusSM Annuity offers growth potential whether the market goes up, down, or remains the same. ** If Rate Enhancement Rider is purchased, principal will not decrease due to market performance but could decrease due to the rider fee. *** The Participation Rates for the CS Momentum Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date, provided that Atlantic Coast Life Insurance Company continues to have access to the CS Momentum Index. **** The Participation Rates for the CS ESG Macro 5 Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date, provided that Atlantic Coast Life Insurance Company continues to have access to the CS ESG Macro 5 Index.
Accumulation Protector PlusSM Annuity FAQs

Accumulation Protector PlusSM Annuity Rates

Effective 9/25/2023

Premium Bonus
Base Contract 10%
With Rate Enhancement Rider 10%
Interest Rate Guarantees
    No Rider Rate Enhancement Rider
1st Year Fixed Rate   4.75% 5.70%
Current Rate Guarantee   1 Year 1 Year
Other Guarantees

****The Participation Rates for the CS Momentum Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date, provided that Atlantic Coast Life Insurance Company continues to have access to the CS Momentum Index.

*****The Participation Rates for the CS ESG Macro 5 Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date, provided that Atlantic Coast Life Insurance Company continues to have access to the CS ESG Macro 5 Index.
Indexing
Index/Benchmark S&P 500®, CS Momentum Index, and CS ESG Macro 5 Index
    No Rider Rate Enhancement Rider
Trigger Rate CS Momentum Index 1 Year with Trigger Rate 9% 11%
Participation Rates CS Momentum Index 1 Year Point-to-Point with Participation Rate**** 210% 260%
CS Momentum Index 2 Year Point-to-Point with Participation Rate**** 320% 385%
CS Momentum Index 3 Year Point-to-Point with Participation Rate 465% 550%
CS ESG Macro 5 Index 1 Year Point-to-Point with Participation Rate***** 210% 260%
CS ESG Macro 5 Index 2 Year Point-to-Point with Participation Rate***** 320% 385%
CS ESG Macro 5 Index 3 Year Point-to-Point with Participation Rate 465% 550%
S&P 500® 1 Year Point-to-Point with Participation Rate 43% 55%
S&P 500® 2 Year Point-to-Point with Participation Rate 60% 75%
Caps S&P 500® 1 Year Point-to-Point with Cap Rate 10% 12.25%
Riders
Optional Riders and Costs Rate Enhancement Rider: 0.95% fee

Interest rates are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Products, features, and riders may not be available in all jurisdictions. Refer to the policy for all terms and conditions. All Guarantees are based on the claims-paying ability of Atlantic Coast Life Insurance Company.

Disclaimers

The CS Momentum Index, the CS ESG Macro 5 Index (the “Indices”), and any trademarks, service marks and logos related thereto are service marks of Credit Suisse Group AG, Credit Suisse International, or one of their affiliates (collectively, “CS”). CS has no relationship to Atlantic Coast Life Insurance Company, other than the licensing of the CS Momentum Index and the CS ESG Macro 5 Index and its service marks for use in connection with the Accumulation Protector PlusSM Annuity and certain hedging arrangements and is not a party to any transaction contemplated hereby. CS shall not be liable for the results obtained by using, investing in, or trading the Accumulation Protector PlusSM Annuity. CS has not created, published or approved this document and accepts no responsibility or liability for its contents or use. Obligations to make payments under the Accumulation Protector PlusSM Annuity are solely the obligation of Atlantic Coast Life Insurance Company and are not the responsibility of CS.

There is currently no universal definition or exhaustive list defining the issues or factors that are covered by the concept of “ESG” (Environmental, Social, Governance). CS’s view of ESG is based solely on CS’s current opinions, assumptions, and interpretations, which may evolve over time and are subject to change.

MSCI Indices are the exclusive property of MSCI Inc. (“MSCI”). MSCI and the MSCI index names are service mark(s) of MSCI or its affiliates and have been licensed for use for certain purposes by CS. The financial product referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to such financial product. The annuity contract or other governing disclosure document contains a more detailed description of the limited relationship MSCI has with CS and any related financial product. No purchaser, seller or holder of this financial product, or any other person or entity, should use or refer to any MSCI trade name, trademark or service mark to sponsor, endorse, market or promote this financial product without first contacting MSCI to determine whether MSCI’s permission is required. Under no circumstances may any person or entity claim any affiliation with MSCI without the prior written permission of MSCI.

Accumulation Protector PlusSM Annuity Rates

Effective 06/13/2022

Premium Bonus
Base Contract5.00%
With Rate Enhancement Rider5.00%
Interest Rate Guarantees
No RiderRate Enhancement Rider
1st Year Fixed Rate2.85%3.70%
Current Rate Guarantee1 Year1 Year
Other Guarantees***The Participation Rates for the Credit Suisse Momentum Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date, provided that Atlantic Coast Life Insurance Company continues to have access to the Credit Suisse Momentum Index.
Indexing
No RiderRate Enhancement Rider
Credit Suisse Momentum Index 1 Year Point-to-Point with Participation Rate***115%160%
Credit Suisse Momentum Index 2 Year Point-to-Point with Participation Rate***175% 235%
Credit Suisse Momentum Index 3 Year Point-to-Point with Participation Rate210%300%
S&P 500® 1 Year Point-to-Point with Participation Rate32%42%
S&P 500® 2 Year Point-to-Point with Participation Rate45%60%
S&P 500® 1 Year Point-to-Point with Cap Rate5.00%6.75%
Credit Suisse Momentum Index 1 Year with Trigger Rate5.00%6.50%
Riders
Optional Riders and Costs Rate Enhancement Rider: 0.95% fee
Premium Bonus
Base Contract 5.00%
With Rate Enhancement Rider 5.00%
Interest Rate Guarantees
No RiderRate Enhancement Rider
1st Year Fixed Rate 2.35% 3.20%
Current Rate Guarantee 1 Year 1 Year
Other Guarantees ***The Participation Rates for the Credit Suisse Momentum Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date, provided that Atlantic Coast Life Insurance Company continues to have access to the Credit Suisse Momentum Index.
Indexing
No Rider Rate Enhancement Rider
Credit Suisse Momentum Index 1 Year Point-to-Point with Participation Rate*** 100% 140%
Credit Suisse Momentum Index 2 Year Point-to-Point with Participation Rate*** 150% 200%
Credit Suisse Momentum Index 3 Year Point-to-Point with Participation Rate 180% 250%
S&P 500® 1 Year Point-to-Point with Participation Rate 30% 38%
S&P 500® 2 Year Point-to-Point with Participation Rate 42% 55%
S&P 500® 1 Year Point-to-Point with Cap Rate 4.80% 6.00%
Credit Suisse Momentum Index 1 Year with Trigger Rate 4.00% 5.50%
Riders
Optional Riders and Costs Rate Enhancement Rider: 0.95% fee

Attributions and Disclaimers with Respect to Credit Suisse

The Credit Suisse Momentum index and “Credit Suisse”, and any trademarks, service marks and logos related thereto are service marks of Credit Suisse Group AG, Credit Suisse International, or one of their affiliates (collectively, “Credit Suisse”). Credit Suisse has no relationship to Atlantic Coast Life Insurance Company, other than certain hedging arrangements and the licensing of the Credit Suisse Momentum index and its service marks for use in connection with the Accumulation Protector PlusSM Annuity, and is not a party to any transaction contemplated hereby.
The rules of the Credit Suisse Momentum Index may be amended by Credit Suisse International (the “Index Creator”). An amendment to the rules may result from, without limitation, a change to the construction or calculation rules for the Index or from the Index Creator determining that a change to the rules is required or desirable in order to update them or to address an error, omission or ambiguity. No assurance can be given that any such amendment would not affect parties to this document.
The Index is an excess return index, which means that it reflects the return of components net of the cost of funding a hypothetical investment in them. The Index returns are likely to be negatively affected by such costs of funding. The Index has a 0.5% per annum embedded fee deducted on a daily basis. The index fee will place a drag on the performance of the Index, offsetting any appreciation of its portfolio, exacerbating any depreciation of its portfolio and causing the level of the Index to decline steadily if the value of its portfolio remains relatively constant. The Index also contains embedded transaction costs and holding costs.
While volatility controls may result in less fluctuation in rates of return as compared to indices without volatility controls, they may also reduce the overall rate of return as compared to products not subject to volatility controls.
The end-of-day value of the Credit Suisse Momentum Index is published subject to the provisions in the rules of the Index. Neither the Index Creator nor any of its affiliates is obliged to publish any information regarding the index other than as stipulated in the rules of these indices.
The Accumulation Protector PlusSM Annuity is not in any way sponsored, endorsed, sold or promoted by Credit Suisse and Credit Suisse does not make any warranty or representation whatsoever, expressly or impliedly, either as to the results to be obtained from the use of the Credit Suisse Momentum Index (“the Index”), the figure at which the said Index stands at any particular time on any particular day or otherwise, or the advisability of or results to be obtained by using, investing in, or trading the Accumulation Protector PlusSM Annuity. The selection of the Index as a crediting option under the Accumulation Protector PlusSM Annuity does not obligate Atlantic Coast Life Insurance Company or Credit Suisse to invest premium payments in the components of the Index or in other products linked to the Index. Credit Suisse shall not be liable for the results obtained by using, investing in, or trading the Accumulation Protector PlusSM Annuity. The Index is compiled, maintained and calculated by Credit Suisse. However, Credit Suisse shall not be liable (whether in negligence or otherwise) to any person for any error in the Index and Credit Suisse shall not be under any obligation to advise any person of any error therein.
Credit Suisse has not published or approved this document and accepts no responsibility for its contents or use. Obligations to make payments under the Accumulation Protector PlusSM Annuity are solely the obligation of Atlantic Coast Life Insurance Company and are not the responsibility of Credit Suisse.
The Index is the exclusive property of and currently sponsored by the Index Creator. The Credit Suisse Momentum Index is not in any way sponsored, endorsed or promoted by Credit Suisse. Credit Suisse has no obligation to take the needs of any person into consideration in composing, determining or calculating the Index (or causing the Index to be calculated). In addition, Credit Suisse makes no warranty or representation whatsoever, express or implied, as to the results to be obtained from the use of the Index and/or the level at which the Index stands at any particular time on any particular day or otherwise, and Credit Suisse shall not be liable, whether in negligence or otherwise, to any person for any errors or omissions in the Index or in the calculation of the Index or under any obligation to advise any person of any errors or omissions therein. Credit Suisse shall not be liable for the results obtained by using, investing in, or trading the Credit Suisse Momentum Index.
Tax Disclaimer: CSSU does not provide any tax advice. Any tax statement herein regarding any US federal tax is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding any penalties. Any such statement herein was written to support the marketing or promotion of the transaction(s) or matter(s) to which the statement relates. Each taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor. Notwithstanding anything to the contrary herein, each party (and each of their employees, representatives, or other agents) may disclose to any and all persons, without limitation of any kind, the U.S. tax treatment and U.S. tax structure of any transaction that may described or included within the information contained herein relating to such U.S. tax treatment and U.S. tax structure. For this purpose, the tax treatment of a transaction is the purported or claimed U.S. federal income tax treatment of the transaction, and the tax structure of a transaction is any fact that may be relevant to understanding the purported or claimed U.S. federal income tax treatment of any transaction.
ERISA: You understand that (i) neither CS nor any of its affiliates has or exercises investment discretion with respect to any assets on behalf of any employee benefit plans or individual retirement accounts (collectively, “Plans”) that may be involved with the purchase, holding, or redemption of a security, (ii) CS is not undertaking to provide impartial investment advice or give advice in a fiduciary capacity on behalf of such Plans within the meaning of the U.S. Department of Labor’s final regulation defining “investment advice” for purposes of the Employee Retirement Income Security Act of 1974, as amended and Section 4975 of the Internal Revenue Code of 1986, as amended, and (iii) the information or communication provided herein or otherwise to the Plans or a fiduciary on behalf of any of the Plans is intended to be, and should be construed as, general information, and it does not and will not take into account your legal, regulatory, tax, business, investment, financial, accounting or other needs or priorities with respect to any Plans.

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